What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is Founder Shield Insurance?
Founder Shield is a broker for venture-backed startups: you apply online in under 15 minutes, and an advisor shops its 200+ carrier markets to build a program that changes as your products and locations change. It doesn't insure you itself, so ask which insurer carries each policy. 4,5,6,7,8
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 11,12,13
Key Differences in Commercial Property Insurance
Broad corporate property audience and founder-focused brokerage
AIG lists hospitals, universities, and global manufacturers among organizations for which it has property options. Founder Shield targets retail and e-commerce businesses with inventory, manufacturers with equipment, restaurants with kitchen equipment, offices, and contractors with job-site tools. Those examples can help a buyer identify which broker’s stated audience resembles its operation, but neither profile alone confirms acceptance or limits. 3 9
Flood and earthquake as separate add-ons
AIG describes property coverage for physical assets and contents, with terms controlled by the policy. Founder Shield lists building repair, business personal property, business-interruption income, and debris removal, while stating that flood and earthquake need add-ons. Businesses in exposed areas should price those endorsements with the base form; otherwise, the headline property coverage may not address the loss scenario they are evaluating. 3 9
What to Confirm in Commercial Property Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsFounder Shield
Review Score
1 rated source
Founder Shield has too little independent customer feedback for a reliable verdict. One positive Trustpilot review does not establish a service track record.[1][4]
Read Founder Shield reviewsOffering Details
AIG vs Founder Shield: Commercial Property Insurance: documented features by provider
| Criteria | AIG Commercial Property and Retail Property | Founder Shield Property Insurance |
|---|---|---|
| Role in This Line | AIG markets commercial property insurance and identifies Retail Property as a product area. For domestic and global corporate and risk-management clients, the page describes both risk-transfer insurance and non-risk-transfer fronting or captive solutions; those structures are not the same as an insurance policy issued by AIG. 3Company-reported. AIG’s U.S. Commercial Property page. It does not identify the insurer or fronting company for a particular buyer’s placement. | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Property Insurance with third-party carriers rather than underwriting the policy itself. 10Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line. Founder Shield says Commercial Property is often purchased standalone but is sometimes bundled with General Liability as part of a Business Owner's Policy (BOP). 9Company-reported. Property Insurance product page. |
| Issuing Insurer | Confirm in your quote. | Founder Shield says it places policies, including Founder Shield Property Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. 6Company-reported. General carrier-selection FAQ, not specific to this line's placements. |
| Who It’s For | AIG names businesses including hospitals, universities and global manufacturing among the varied organizations for which it has property options. The page does not provide a complete eligible-class list or state-by-state availability schedule. 3Company-reported. Illustrative customer types on AIG’s U.S. Commercial Property page; examples do not establish an applicant’s eligibility. | Founder Shield targets this coverage at retail and e-commerce businesses with on-site inventory, manufacturers with equipment, restaurants with kitchen equipment, professional offices, and contractors with job-site tools. 9Company-reported. Property Insurance product page. |
| Coverage Features | AIG describes commercial property insurance as protecting business physical property against unexpected events such as storm damage, theft and vandalism, and says coverage can extend to certain work-related contents such as office equipment, furniture, fixtures and inventory. These are examples; actual coverage depends on the facts and each policy’s terms, conditions and exclusions. 3Company-reported. General property description on AIG’s product page, not a summary of a specific policy or all covered causes of loss. | Founder Shield lists building and structure repair costs, business personal property, business-interruption income replacement, debris removal, and fire, vandalism and wind/hail/lightning damage as covered; flood and earthquake require an add-on. 9Company-reported. Product page; the issued policy and declarations control actual coverage. |
| Limits and Retentions | The reviewed page does not state standard property limits, deductibles or retentions for a buyer. Confirm those amounts, covered causes and conditions in the quote and issued policy. 3Not publicly disclosed. AIG’s U.S. Commercial Property marketing page reviewed 2026-09-30; no buyer-specific quote or policy form was reviewed. | Confirm in your quote. |
| Risk Services | AIG says property risk engineers help clients identify and mitigate loss and that its engineers collaborate with clients on solutions tailored to risk factors. The page does not state that these services are included for every account or guarantee reduced losses. 3Company-reported. Company-described commercial property risk engineering; account-specific service availability is not stated. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | You request Founder Shield Property Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. 10,6Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form. |
| Claims Support | AIG describes a dedicated Property claims team and a claims promise intended to enable prompt resolution. The page does not publish a service-level deadline or claim outcome guarantee. 3Company-reported. AIG’s company-reported general property claims description; no account-specific claims handling terms were reviewed. | Confirm in your quote. |
Full Comparison
More AIG vs Founder Shield Comparisons
Other Commercial Property Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Commercial Property Insurance. AIG US; Property risk description and customer examples, lines 242–245; claims, risk engineering and Retail Property solutions, lines 250–276; general property examples and actual-policy caveat, lines 298–303; legal footer, lines 348–351. Accessed 2026-09-30.
Founder Shield
- Founder Shield. Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
- Startup Insurance. Founder Shield; What Coverage Does your Startup Need?; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider section. Accessed 2026-09-15.
- How Do You Decide Which Carriers to Approach? Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.
- What If Our Company Grows A Lot or Things Change During the Year? Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15.
- Terms of Service. Founder Shield; Opening agreement; License Status; Representations and Disclaimers Related to Products or Services; Fees and Charges; Void Where Prohibited. Accessed 2026-09-15.
- Property Insurance. Founder Shield; What Is Property Insurance?; Who Needs Property Insurance Coverage?; What Does Property Insurance Cover? Accessed 2026-09-23.
- About Us. Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.
Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
